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State Name: New Jersey
State Name underscore: New_Jersey
State Name dash: New-Jersey
State Name lower underscore: new_jersey
State Name lower dash: new-jersey
State Name lower: new jersey
State Abbreviation: NJ
State Abbreviation Lower: nj

There are some very witty and clever folks out there. (The level of my wit is at about, “A horse walks into a bar. The bartender asks, ‘Why the long face?’” And my clever rating maxed out after I finished the ‘Pick a Peck of Puzzles’ book that I ordered from Scholastic Books in 6th grade.) So today I thought I would dispense with the usual information and pass along this poem that a few nice readers sent to me yesterday (thank you!).

And until the usual mortgage news, market info, and investor updates return on Monday, have a Merry Christmas!

T’was the week before ChristmasWhen all through the lands,LO’s and Closers were wringing their hands.

RESPA changes are coming,They all started to worry,We’d better get trained, and get trained in a hurry!

We all kept on hopingThere would be a delay.But HUD said, “No Way,” it’s all here to stay.

About the Author

Rob Chrisman began his career in mortgage banking - primarily capital markets - 27 years ago in 1985 with First California Mortgage, assisting in Secondary Marketing until 1988, when he joined Tuttle & Co., a leading mortgage pipeline risk management...
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